So here is the situation. My grandpa passed away back in May 2022. He died with considerable debt and far as I knew a sizable reverse mortgage on his duplex. There was a transfer on death deed that gave the property to my mother. She suffers from severe mental illness and I take care of her. With no real options or resources at our disposal, we left the property alone since his death. Didn't pay the taxes or insure it. It just sat and we assumed it would be foreclosed upon. The place was about 50 years old, in dire need of repairs we couldn't afford and even in selling it we wouldn't make a penny. So we did nothing. Mom got worse and I focused on taking care of her. Year by year went by. I collected the mail every month but didn't open all of it. I just scanned through it looking for anything important. Most of it got thrown away. Fast forward to a couple months ago and a house fire forced us to move in to his duplex. It remains the same as we left it. Like a time capsule.…